Our Blog
How Will Bankruptcy Affect My Family?
Declaring bankruptcy is a decision that affects not only yourself but also your family — in positive and negative ways. While bankruptcy can lead to increased financial stability, there are unforeseen issues that can affect other family members in a negative way. If...
Which comes first — Bankruptcy or Divorce?
Many married couples discover they need to file for bankruptcy around the same time that they file for divorce. Dealing with either situation is difficult enough, but the two together can be overwhelming. But which should be done first? Should they be done together?...
Guidelines for Bankruptcy Affected by Natural Disasters
Unfortunately, large-scale natural disasters affected hundreds of thousands of Americans in 2017. The Federal Emergency Management Agency (FEMA) reported a historic year of natural disasters. FEMA reported that disasters affected 8% of the U.S. Inevitably some people...
Americans Are Deeper in Debt Before Retirement Than Ever Before
Today Americans are more likely than ever before to have debt before retirement. More than 70 per cent of people ages 56 to 61 were in debt in 2010, showed a recent study that appears in the American Economic Association Papers and Proceedings. The study analyzes the...
Taxes and Bankruptcy
Taxes & Bankruptcy are complex and a nuanced area of law. Some back taxes owed to the IRS are dischargeable (erased) through bankruptcy, while others are not. Before filing for bankruptcy it is important for you to understand how you will be affected by filing, and...
4 Keys to Successfully Managing Your Personal Finances
Personal Finances When you have a solid grasp of your personal finances you will be free from stressing out about money, your bills will be paid, your financial goals can be met. Many of us get out of school without ever having taken a course in personal financial...
Bankruptcy Stops Wage Garnishment
Wage garnishment can be disastrous for individuals and families who are already struggling to make ends meet. To garnish wages most creditors must file a lawsuit against you and obtained a judgment. By the time wages are garnished your employer has been notified of...
Practical Steps to Take Before Filing Bankruptcy
Deciding to file for bankruptcy is a difficult decision. Though, erasing your debt through bankruptcy may be the best decision you could make for your financial future. Once you are free from unmanageable debt, like credit card and medical debt, you will be in a...
3 More Reasons to File for Bankruptcy
We recently published 3 Reasons to File for Bankruptcy and because there are many reasons why people need to file for bankruptcy protection, we thought it important to follow up with 3 More Reasons to File for Bankruptcy. For many, filing is the best decision for...
Bankruptcy Preparation
Start Shaping Your New Life Today We can help you clear up the confusion. New Clients need to bring the following items to their bankruptcy preparation appointment: It can be empowering to know your rights. We explain and protect your rights while we work with the...
Can My Bank “Offset” My Account?
When a Bank “Offset” an account, it means that the bank seizes funds from an account to satisfy an unpaid debt owed to the bank. For example, a bank may offset (take money from) a debtor’s checking account to pay for a missed car payment where the bank also holds the...
Tax Collector’s Right to Levy Your Bank Account
Most Tax Collector’s (the banks you owe money) have very little right to force collection from you without first winning a lawsuit against you for not paying back your debt. For example, if you stop paying your credit card bill, the bank who backs that card would have...
Feeling Harassed?
Bankruptcy should not be a confusing process, we can guide you to financial freedom. It’s time for a fresh start.
